First Federal Bank, A FSB
Tuscaloosa, AL · Cert 31127 · Peer group: banks under $1B in assets (n=581-629) · Southeastern Financial Inc.
State savings bank · OCC · 3 branches
Q2 2026
$182.6MAssets
$151.9MLoans
$120.4MDeposits
$13.9MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 53% of banks under $1B in assets (rank 273 of 581).
- Widest gap: equity / assets trails 91% of banks under $1B in assets (rank 574 of 629).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.61%
Rank 470 of 629
Net Interest Margin
2.47%
Rank 572 of 629
Efficiency Ratio
91.63%
Rank 560 of 629
Equity / Assets
7.61%
Rank 574 of 629
Non-interest income vs. expense
Unfavorable gap of $3.0M · efficiency ratio beats 11% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.61% | 0.60% | 1.01% | 1.45% | Beats 25% | 470 / 629 | |
| Return on Equity | 7.98% | 5.38% | 9.30% | 13.28% | Beats 40% | 378 / 629 | |
| Net Interest Margin | 2.47% | 3.03% | 3.54% | 4.05% | Beats 9% | 572 / 629 | |
| Efficiency Ratio | 91.63% | 58.35% | 67.79% | 79.08% | Beats 11% | 560 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.60% | 0.09% | 0.46% | 1.20% | Beats 44% | 329 / 581 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 53% | 273 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 12.44% | 11.24% | 13.84% | 18.77% | Beats 38% | 393 / 629 | |
| Total Risk-Based Capital Ratio | 13.66% | 11.58% | 14.43% | 19.66% | Beats 44% | 352 / 629 | |
| Equity / Assets | 7.61% | 9.09% | 10.65% | 13.80% | Beats 9% | 574 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 126.18% | 67.24% | 80.90% | 93.48% | 99th pctl | 6 / 594 | |
| Loans / Assets | 83.17% | 53.31% | 67.71% | 78.15% | 88th pctl | 75 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |